FNB Relief Issues and NO clarification AT ALL!!

So I app**** for the covid-19 relief that FNB offered because I had no other choice. They let me know that it was approved & I accepted the contract on the 25 of April. Today I see the Covid-19 loan was added to my accounts, but the funds aren’t available.

Please confirm this,FNB - So here’s the break down: I have to pay,starting in three months,R438,with the total loan I received being R22593 over 63 months - now I was recently told that this only applies to FNB debt and debits. My FNB DEBT AND DEBITS ONLY AMOUNT TO JUST OVER R10K,so my question is - what will be happening to the remaining R12000??

My current monthly debt (outside of rent,w/l and food) is FNB and Woolworths credit cards (this loan won’t apparently cover the Woolies credit card),over draft fees on an FNB account,medical aid and insurance (which this loan apparently won’t cover) and my DirectAxis loan (where arrangements have been made for a payment deferement of 3months,so this debit order WON’T GO OFF for 3 months) - ps. they(Sanlam/DirectAxis) were amazing,as my employer,at the time of chatting to DirectAxis,couldn’t physically find a way to give me letters to provide loss of income due to the income and Sanlam and DirectAxis came to the table and listened and gave me the payment deferement period needed - - my employer,a couple of days later,made a plan in regards to furnish me with the document needed by FNB AND DIRECT AXIS,so thanx to DirectAxis for that!

SO - My total debt covered by the loan (which I have to pay R438 pm to cover R22593 over 63months) for next 3 months in WELL UNDER that R22K number,more like R10-11K,so what will happen to the remaining R11-12K that I’m paying for?? And If I’m wrong about what the loan will cover,then PLEASE CLARIFY!! Money spent in calling FNB,time spent TRYING to talk to your people in the app’s chat facility - no response or clarification on the remaining amount or how calculated the amount if they say I needed R22593??? If I’m paying for the loan,I need access to funds,don’t I and once the 3 months is over,what happens to the remaining amount?? If FNB doesn’t pay that out to me,then will they recalculate the lian payment,as it’s ******** and ******* to have someone pay off a loan of R22593,but only ‘technically paying off R11K on the persons behalf’